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| Provider | Service type | Compensation |
|---|---|---|
SPINNAKER TRUST1 year Service code 21 · EIN 01-0513167 123 FREE STREET · PORTLAND, ME 04101 | Bank Trustee | $12,000 |
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $904 | $55,122-98.4% | $104,639-99.1% | $73,497-98.8% |
| Participation rate | 95.9% | 67.7%+28.2pp | 74.1%+21.8pp | 70.7%+25.2pp |
| Annual return | -103.87% | 24.77%-128.6pp | 340.67%-444.5pp | 28.51%-132.4pp |
| Employer contribution / active EE | $2,970 | $1,464+102.8% | $2,682+10.7% | $2,270+30.8% |
| Participant deferral / active EE | $0 | $2,919-100.0% | $3,738-100.0% | $3,740-100.0% |
| Admin fee / account holder | $34 | $423-91.9% | $6,465-99.5% | $513-93.3% |